Commercial & Equipment Finance

End-to-End Servicing Solutions for Commercial and Equipment Finance

The financing and leasing of small-business commercial and equipment—from heavy machinery and production-line assets to high-value technology and infrastructure—represent a critical growth channel for lenders and lessors. Yet this asset class demands a servicing partner fluent in equipment lifecycle management, lien/asset-tracking, residual/value risk, remarketing, and regulatory oversight. At Concord Servicing, we provide full-lifecycle servicing capabilities tailored to commercial equipment portfolios, enabling originators, investors, and lessors to scale efficiently with confidence.

Key Features

• Onboarding & portfolio boarding: Ingestion of equipment loan/lease data, asset identifiers (serial numbers, model, vendor information), contract terms, and collateral records.
• Billing & payment processing: automated billing according to lease or loan schedules, variable and fixed payment streams, and inclusion of soft costs (installation, delivery) as needed.
• Collateral monitoring & lien management: tracking of equipment location, condition, UCC filings, vendor warranties, remarketing value, and residual risk.
• Asset value/residual analysis & remarketing support: monitoring equipment depreciation, executing turn-in or end-of-term disposition strategies.
• Customer (lessee/borrower) servicing & support: single-point access for inquiries about billing, equipment upgrades/extensions, end-of-term options, or repurchase.
• Delinquency management & default workflow: early-warning triggers based on usage, equipment downtime or maintenance issues, and specialized repossession/recovery protocols.
• Investor reporting & portfolio analytics: equipment-class-specific KPIs (e.g., utilization rate, residual value, vendor remarket yield), loan-level and pool-level transparency.
• Compliance & audit readiness: adherence to equipment-finance regulations, tax lease implications, vendor/lessor contractual requirements, and asset documentation retention.
  
  

Key Benefits:

• Equipment-class expertise: We understand the unique asset lifecycle and become a value partner—not just a servicer.
• Enhanced collateral control: Through proactive lien and equipment tracking, we reduce residual/remarketing loss exposure.
• Operational scalability: Enables originators/lessors to outsource servicing infrastructure and focus on origination, vendor relationships, and growth.
• Improved borrower experience: With efficient end-of-term handling, upgrade or buy-out options, and clear communication, leading to fewer disruptions and higher retention.
• Data-driven insights: Specialized analytics on equipment performance, remarketing outcomes, and portfolio health that inform decision-making.
• Risk mitigation: Tailored default workflows and asset-specific monitoring reduce loss severity and improve recovery yields.
• Investor-ready frameworks: Transparent reporting, standardized documentation, and servicing practices that support securitizations or warehouse facilities.

Commercial lenders, equipment finance companies, and asset-backed investors face unique challenges—complex portfolios, multiple obligors, and performance demands from rating agencies and capital markets. Concord supports these needs with end-to-end commercial loan and lease servicing designed to scale across diverse asset classes.

Our ABS-ready servicing platform provides transparency, compliance, and flexibility, whether you manage equipment leases, fleet financing, or small business loans. By leveraging Concord’s experience across billions in serviced assets, you gain the operational resilience needed to enhance investor confidence and protect performance.